Initial RateInitial PaymentReverting RateTotal FeesTypeOverall Cost for ComparisonInitial Period (months)Early Repayment Charge2 Year Total CostTotal Amount Payable Over Term
4.18%£537.836.24%£35Fixed6.0% APRC25m25m£12,523£191,968
4.29%£543.986.99%£15Fixed6.7% APRC24m24m£12,571£204,468
4.31%£551.057.35%£30Fixed7.1% APRC24m24m£12,610£212,901
4.38%£548.516.24%£30Fixed6.0% APRC24m24m£12,944£192,645
4.49%£555.277.74%£0Fixed7.3% APRC25m25m£13,026£217,327

Initial RateInitial PaymentReverting RateTotal FeesTypeOverall Cost for ComparisonInitial Period (months)Early Repayment Charge2 Year Total CostTotal Amount Payable Over Term
4.18%£537.836.24%£35Fixed6.0% APRC25m25m£12,523£191,968
4.29%£543.986.99%£15Fixed6.7% APRC24m24m£12,571£204,468
4.31%£551.057.35%£30Fixed7.1% APRC24m24m£12,610£212,901
4.38%£548.516.24%£30Fixed6.0% APRC24m24m£12,944£192,645
4.49%£555.277.74%£0Fixed7.3% APRC25m25m£13,026£217,327

Initial RateInitial PaymentReverting RateTotal FeesTypeOverall Cost for ComparisonInitial Period (months)Early Repayment Charge2 Year Total CostTotal Amount Payable Over Term
4.75%£570.126.24%£35Tracker6.1% APRC24m24m£13,548£193,872
4.44%£552.436.99%£1,014Tracker6.8% APRC24m0m£13,772£205,860
4.49%£555.276.74%£999Tracker6.6% APRC24m0m£13,825£201,892
4.97%£582.847.24%£30Tracker6.9% APRC27m27m£14,008£209,939
4.99%£584.014.99%£35Tracker5.1% APRC0m0m£14,176£175,363

This table is based on a residential property value of £200,000 and a mortgage secured against that property of £100,000 (assuming no fees added), calculated on a capital & repayment basis (repayment mortgage) over a term of 25 years (300 monthly payments).
Source: Mortgage Brain. This information was last revised on 20 May 2025 at 05:16 hours